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Area Community Credit Union

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Area Community Credit Union Rates & Review April 2026

Q: Is a member application needed to join Area Community Credit Union?

Yes, to access services at Area Community Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Area Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 25, 2026

You can compare Area Community Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 1.61%, 6-month share certificate rates at 3.80% and 3-month share certificate rates at 0.20%. Savings rates are at 0.15% and money market rates are at 0.40%. Mortgage rates on 30-year fixed loans are around 6.17%. All these rates can be compared to Area Community Credit Union rates. MonitorBankRates evaluates the financial stability of Area Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.16%. Rates were last updated on 04/25/2026.

Area Community Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Area Community Credit Union? Share your experience about Area Community Credit Union by leaving a review below, or read customer reviews before you decide to use Area Community Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.16%

Excellent Lower than avg

Area Community Credit Union
Area Community Credit Union

2800 S Washington St
Grand Forks, ND 58201

https://www.areacommunitycu.com/

Current Rate Availability

We do not have Area Community Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Area Community Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Area Community Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Area Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Area Community Credit Union

Website https://www.areacommunitycu.com/

Address 2800 S Washington St, Grand Forks, ND 58201

Phone 701-772-2690

Fax 701-775-4253

President Jonathon Vonesh

CEO Connie Johnston

Full-Time Employees 8

Part-Time Employees 1

Branch Locations 2

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.16%

Return on Assets (ROA)

-0.2014%

Return on Equity (ROE)

-1.0678%

Non-Performing Loans Ratio (NPL)

1.58%

Total Assets

27,123,190

Total Amount of Shares and Deposits

21,861,949

Total Shares and Deposits < 1 Year

21,739,787

Total Shares and Deposits 1 3 Years

101,000

Total Shares and Deposits > 3 Years

21,162

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

1,592,374

Total Uninsured Shares and Deposits > $250K (F+J)

1,592,374

Total Insured Shares and Deposits > $250K (item 17 less item K)

20,269,575

Total Interest Expense (Sum of items 6 8)

209,381

Share Certificates

121

Number of Accounts for Share Drafts

1,053

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,111

Money Market Shares

130

Net Income (unless the amount is already included in Undivided Earnings)

-54,633

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

5,396,853

Total Liabilities

22,050,234

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Area Community Credit Union yet. Feel free to create one below.

Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Area Community Credit Union

Is Area Community Credit Union a safe place to deposit money?

Yes, Area Community Credit Union is considered a safe financial institution. With a Texas Ratio of 5.155825359892%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Area Community Credit Union operate?

Area Community Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Area Community Credit Union?

Yes, to access services at Area Community Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Area Community Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Area Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Area Community Credit Union offer online and mobile banking?

Most modern institutions like Area Community Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.areacommunitycu.com/.